Monthly costs for dental business insurance average $37 and range from $10 to $37 based on coverage needs and location.
Get matched with cheap dental business insurance below.
Updated: November 4, 2025
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Dental business insurance costs range from $117 to $439 annually on average, depending on coverage type, state and sub-industry.
Your dental insurance premiums depend on your location, claims history, services provided and employee count, affecting your final rates.
Shop multiple business insurers, bundle policies, increase deductibles and pay annually to find affordable dental business insurance costs.
We found average business insurance costs for dental companies for commonly needed coverage are as follows:
| BOP | $32 | $381 |
| General Liability | $22 | $259 |
| Professional Liability (E&O) | $84 | $1,006 |
| Workers' Comp | $11 | $134 |
Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
General liability coverage for dental businesses varies by state. Maine has the lowest rates at $19 monthly versus the $22 national average, while New York charges $25 monthly.
| Alabama | $21 | $253 |
| Alaska | $20 | $241 |
| Arizona | $21 | $246 |
| Arkansas | $21 | $249 |
| California | $24 | $289 |
| Colorado | $21 | $257 |
| Connecticut | $23 | $282 |
| Delaware | $23 | $277 |
| Florida | $23 | $281 |
| Georgia | $22 | $263 |
| Hawaii | $23 | $281 |
| Idaho | $20 | $246 |
| Illinois | $24 | $284 |
| Indiana | $21 | $253 |
| Iowa | $21 | $247 |
| Kansas | $21 | $252 |
| Kentucky | $20 | $241 |
| Louisiana | $25 | $295 |
| Maine | $19 | $225 |
| Maryland | $21 | $247 |
| Massachusetts | $23 | $272 |
| Michigan | $20 | $245 |
| Minnesota | $20 | $243 |
| Mississippi | $22 | $260 |
| Missouri | $21 | $255 |
| Montana | $22 | $258 |
| Nebraska | $20 | $245 |
| Nevada | $25 | $295 |
| New Hampshire | $21 | $258 |
| New Jersey | $24 | $294 |
| New Mexico | $22 | $261 |
| New York | $25 | $301 |
| North Carolina | $19 | $225 |
| North Dakota | $19 | $225 |
| Ohio | $20 | $240 |
| Oklahoma | $20 | $246 |
| Oregon | $20 | $241 |
| Pennsylvania | $25 | $299 |
| Rhode Island | $24 | $285 |
| South Carolina | $22 | $267 |
| South Dakota | $20 | $242 |
| Tennessee | $21 | $253 |
| Texas | $22 | $261 |
| Utah | $21 | $247 |
| Vermont | $21 | $249 |
| Virginia | $20 | $236 |
| Washington | $25 | $295 |
| West Virginia | $23 | $272 |
| Wisconsin | $21 | $254 |
| Wyoming | $20 | $240 |
Note: We based general liability rates on dental businesses with two employees across different states. Your rates vary based on location, claims history and services you provide.
Workers' compensation insurance for dental businesses varies by state. North Carolina charges $9.75 monthly, while Pennsylvania charges $13.04 monthly. State regulations and claim histories explain rate variations.
| Alabama | $11 |
| Alaska | $10 |
| Arizona | $11 |
| Arkansas | $11 |
| California | $12 |
| Colorado | $11 |
| Connecticut | $12 |
| Delaware | $12 |
| Florida | $12 |
| Georgia | $11 |
| Hawaii | $12 |
| Idaho | $11 |
| Illinois | $12 |
| Indiana | $11 |
| Iowa | $11 |
| Kansas | $11 |
| Kentucky | $11 |
| Louisiana | $13 |
| Maine | $10 |
| Maryland | $11 |
| Massachusetts | $12 |
| Michigan | $11 |
| Minnesota | $11 |
| Mississippi | $11 |
| Missouri | $11 |
| Montana | $11 |
| Nebraska | $11 |
| Nevada | $13 |
| New Hampshire | $11 |
| New Jersey | $13 |
| New Mexico | $11 |
| New York | $13 |
| North Carolina | $10 |
| Oklahoma | $10 |
| Oregon | $10 |
| Pennsylvania | $13 |
| Rhode Island | $12 |
| South Carolina | $11 |
| South Dakota | $10 |
| Tennessee | $11 |
| Texas | $11 |
| Utah | $11 |
| Vermont | $11 |
| Virginia | $10 |
| West Virginia | $12 |
| Wisconsin | $11 |
Note: We based workers' comp rates on dental businesses with two employees across different states. Your workers' comp requirements and costs vary by state due to different regulations.
Your professional liability cost varies by state. Nationwide, businesses pay an average of $84 monthly. Alaska has the lowest rates at $71 monthly, while Louisiana has the highest rates at $102 monthly.
| Alabama | $83 |
| Alaska | $71 |
| Arizona | $80 |
| Arkansas | $80 |
| California | $92 |
| Colorado | $82 |
| Connecticut | $92 |
| Delaware | $90 |
| Florida | $91 |
| Georgia | $86 |
| Hawaii | $93 |
| Idaho | $79 |
| Illinois | $92 |
| Indiana | $82 |
| Iowa | $80 |
| Kansas | $81 |
| Kentucky | $77 |
| Louisiana | $102 |
| Maine | $73 |
| Maryland | $80 |
| Massachusetts | $88 |
| Michigan | $79 |
| Minnesota | $77 |
| Mississippi | $82 |
| Missouri | $83 |
| Montana | $83 |
| Nebraska | $80 |
| Nevada | $96 |
| New Hampshire | $82 |
| New Jersey | $95 |
| New Mexico | $84 |
| New York | $96 |
| North Carolina | $72 |
| North Dakota | $75 |
| Ohio | $75 |
| Oklahoma | $81 |
| Oregon | $78 |
| Pennsylvania | $97 |
| Rhode Island | $92 |
| South Carolina | $86 |
| South Dakota | $78 |
| Tennessee | $81 |
| Texas | $85 |
| Utah | $80 |
| Vermont | $80 |
| Virginia | $78 |
| Washington | $96 |
| West Virginia | $88 |
| Wisconsin | $83 |
| Wyoming | $79 |
Note: We based professional liability rates on dental businesses with two employees across different states. Your actual rates depend on services offered and location.
Dental business insurance costs vary by state. BOP insurance costs range from $27 in Maine to $37 in Pennsylvania.
| Alabama | $31 |
| Alaska | $29 |
| Arizona | $30 |
| Arkansas | $31 |
| California | $36 |
| Colorado | $32 |
| Connecticut | $35 |
| Delaware | $34 |
| Florida | $34 |
| Georgia | $32 |
| Hawaii | $35 |
| Idaho | $30 |
| Illinois | $35 |
| Indiana | $31 |
| Iowa | $30 |
| Kansas | $32 |
| Kentucky | $29 |
| Louisiana | $36 |
| Maine | $27 |
| Maryland | $30 |
| Massachusetts | $33 |
| Michigan | $29 |
| Minnesota | $30 |
| Mississippi | $32 |
| Missouri | $31 |
| Montana | $32 |
| Nebraska | $30 |
| Nevada | $37 |
| New Hampshire | $31 |
| New Jersey | $36 |
| New Mexico | $32 |
| New York | $36 |
| North Carolina | $28 |
| North Dakota | $27 |
| Ohio | $29 |
| Oklahoma | $30 |
| Oregon | $30 |
| Pennsylvania | $37 |
| Rhode Island | $35 |
| South Carolina | $33 |
| South Dakota | $30 |
| Tennessee | $31 |
| Texas | $32 |
| Utah | $31 |
| Vermont | $31 |
| Virginia | $29 |
| Washington | $36 |
| West Virginia | $34 |
| Wisconsin | $31 |
| Wyoming | $29 |
Note: We based BOP rates on dental businesses with two employees across different states. Your actual rates vary based on business size, location and coverage needs.
Dental business insurance costs $33 monthly with Thimble and $56 with Hiscox. Price differences result from how each insurer evaluates risk and targets specific market segments.
| Chubb | $37 | $441 |
| Coverdash | $40 | $475 |
| Hiscox | $56 | $671 |
| NEXT Insurance | $37 | $444 |
| Nationwide | $34 | $413 |
| Progressive Commercial | $35 | $416 |
| Simply Business | $36 | $434 |
| The Hartford | $35 | $424 |
| Thimble | $33 | $393 |
| biBERK | $34 | $407 |
Several factors influence your dental practice insurance costs when insurers calculate your premium rates.
Your practice location influences malpractice and liability costs. States with high rates of dental malpractice lawsuits command substantially higher premiums than those with tort reform protections.
Urban practices in litigious markets may pay double or triple what similar practices pay in rural areas with fewer claims.
Past malpractice claims or patient complaints affect your insurance costs. Claims without payouts stay visible to insurers for seven to ten years and impact your premiums.
Dentists who maintain clean records through proper documentation and clear patient communication qualify for better rates.
Staff composition affects workers' compensation and employment practices liability. Solo practitioners with one hygienist maintain modest overhead, while group practices employing multiple dentists, hygienists and administrative staff see premiums escalate.
Dental team members face needlestick injuries, chemical exposure and repetitive strain injuries that drive workers' comp classifications.
Services beyond clinical dentistry affect your coverage needs. Sedation requires specialized malpractice endorsements and anesthesia liability coverage. Orthodontics involves multi-year treatments, which increase your liability exposure.
Practice billings reflect patient volume and corresponding exposure levels. Solo dentists generating $400,000 annually need standard coverage limits, while multi-location practices producing $3 million require more comprehensive protection.
Higher revenue indicates more patient encounters and procedures, multiplying opportunities for claims despite maintaining quality care standards.
Malpractice limits you select create substantial cost variations. Most dentists carry $1 million to $2 million per occurrence with $3 million to $6 million aggregate limits, though high-risk specialties may need more.
Your clinical assets influence property insurance requirements. Basic practices with standard chairs and X-ray machines need moderate coverage, while those investing in CBCT scanners, CAD/CAM systems or laser equipment require protection.
Digital radiography equipment, sterilization systems and patient management software all contribute to your total insurable value.
Financial credentials affect malpractice insurance accessibility and pricing. Dentists with excellent credit histories often receive 10% to 28% discounts compared to those with credit challenges. Strong financials demonstrate practice stability and reduce insurer concerns about desperate practitioners cutting corners or filing inflated claims.
Lowering your dental business insurance costs takes planning and informed decisions. Our step-by-step guide walks you through how to find cheap business insurance for your dental practice while helping you build a stronger risk profile over time.
Dental practices need professional liability (malpractice) insurance to protect against treatment errors, general liability for slip-and-fall accidents in your office and property coverage for equipment like X-ray machines and dental chairs.
Add cyber liability since you store protected health information, employment practices liability if you have staff and business interruption coverage to replace income if your practice temporarily closes. Workers' compensation is mandatory in most states for hygienists, assistants and administrative personnel.
Malpractice premiums vary by specialty. Oral surgeons pay more than general dentists who don't perform extractions or implants. Get quotes from at least three insurers, and ask about tail coverage options for retirement, practice sales or carrier changes.
Bundling malpractice, general liability, property and cyber coverage saves 15% to 22% compared to individual policies from different carriers. Many dental insurers offer practice packages specifically designed for solo practitioners or group practices.
This approach simplifies the management of certificates of insurance for credentialing with dental insurance networks and obtaining hospital privileges.
Increasing property deductibles to $2,500 or higher reduces premiums by 18% to 25%. You need emergency funds for equipment repairs. Keep malpractice deductibles lower since defense costs for frivolous lawsuits can reach $50,000 to $100,000 before settlement.
Practices with a five-year clean claims history qualify for claims-free discounts.
Monthly payment plans for dental insurance add 6% to 11% in installment charges. Annual payment eliminates these fees and earns a 5% to 8% paid-in-full discount from carriers.
Many dentists time their policy renewal with their practice's strongest revenue months to make a lump-sum payment more manageable.
Review your insurance whenever you add associates, expand services like orthodontics or sedation dentistry or purchase major equipment like CBCT scanners or lasers. Your property limits should reflect replacement costs for all clinical and office equipment.
If you've added associate dentists or hygienists, ensure your malpractice policy includes proper coverage for all providers since inadequate limits expose you to personal liability.
Dental business insurance costs between $10 and $37 per month, but your actual premium depends on factors like location, business size and claims history. Save money by comparing quotes from several insurers, bundling your policies, selecting higher deductibles and paying annually instead of monthly.
Dental business owners commonly ask about insurance costs. We answered the most frequent questions below:
Workers' compensation is the cheapest at $11 monthly, but it only covers employee injuries. Most dental businesses need general liability coverage ($22 monthly) since it protects against customer accidents and property damage claims.
You'll pay more in these states. General liability in California runs $24 monthly (versus $22 national average), and BOP costs $36 monthly (versus $32 average). New York is similar at $25 and $36, respectively.
Combining multiple business insurance policies with one carrier delivers greater savings than purchasing individual policies. Insurers reward dental practices that bundle general liability, commercial property and commercial auto coverage together.
Several factors increase premiums: practicing in high-risk areas, maintaining previous claims history, using expensive dental equipment, employing multiple staff members, and having poor credit ratings.
Higher deductibles reduce monthly premiums but increase out-of-pocket costs per claim. Consider your practice's cash flow and expected claim frequency when deciding.
Workers' compensation costs for dental businesses vary by state, ranging from $10 monthly in North Carolina to $13 monthly in Pennsylvania.
BOP insurance is worth the investment for dental practices. At $32 monthly, BOP combines general liability, commercial property and business interruption coverage. This bundled approach saves money compared to purchasing individual policies.
Shop annually when your policy renews. Compare quotes from three insurers to find savings, especially after adding staff or expanding your dental practice services.
We collected dental business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small dental business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the dental industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
